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FICO score 40 points lower than any credit score?

Re: FICO score 40 points lower than any credit score?

Thanks all for the great advice.  I'm working on a few of these to see if I can get a PFD. One creditor only offered to mark as settled, would this even help my score? This debt is schedule to come off April 2014.   Also, would I get much of a boost if I could increase my credit limit? I have a secured card that I could increase.    I am hesitant to work with this lender because as soon as he saw my score was a 612 he didn't seem to have any interest in working with me to improve.     Should I wait a few months and then reach out to another lender?  I don't want another hard inquiry to hurt my score.

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